Whether you are covered depends on your policy, the type of cover you bought and what caused the damage. Buildings insurance may cover some problems affecting the structure, while contents insurance may cover belongings stolen or damaged by an insured event; accidental damage is often an optional extra. Policies commonly exclude wear and tear, poor maintenance, some escape-of-water circumstances and belongings taken outside the home unless personal possessions cover applies. Check your policy wording, exclusions and excess, and contact your insurer promptly if you need to make a claim.